New Jersey Disability Insurance Policy
The most valuable resource that anyone possesses is their ability to
provide an income. If everything else that you own or care about is
insured and this ability is removed there may be no way possible to
pay the premiums on other insurance or even to keep that which is
insured. New Jersey Disability insurance will provide you with an
income should you become sick or disabled.
Even with benefits such as New Jersey Workers
Compensation and Social Security, individual disability
insurance benefits are still important. A disability
financially can be worse than death, since living
expenses continue and may increase due to a need for
expensive specialized care. Many people also purchase
disability insurance to help ensure a continuous income
should they suffer disabilities that are not covered by
Social Security.
Individual disability insurance coverages pay a
percentage of your salary if you become temporarily
disabled, meaning that you are not able to work due to
sickness or injury (excluding on-the-job injuries, which
are covered by workers compensation insurance).
Disability Insurance Coverage Features
Disability insurance policies have a fixed monthly
benefit that does not increase with time, although you
can purchase extra coverage, or riders, that offer
higher payment schedules.
Disability types include:
Own Occupation - the inability to perform the duties
of your specific occupation or Any Occupation - the
inability to perform the duties of any job for which your
education and training make you qualified.
You can choose the length of the waiting period on
your disability insurance policy. Waiting periods can
range from one week to two years and the longer you
wait the less your disability insurance policy will cost.

You also can choose the length of the benefit period,
which is how long you will receive monthly benefits
once your disability insurance policy starts paying.
We are a greater Philadelphia area insurance services agency, offering affordable New
Jersey disability insurance premiums to individuals and families in the following NJ
cities and counties: Deptford, Camden, Cherry Hill, Blackwood, Collingswood,
Runnemede, Woodbury Heights, Pennsauken, Palmyra, Cinnaminson, Delran,
Riverside, Edgewater Park, Burlington, Riverton, Delanco, Beverly, Bridgeboro,
Woodlynne, Oaklyn, Gloucester City, Brooklawn, Mt. Ephraim, Westville Grove,
Colonial Manor, Red Bank, National Park, Thorofare, Gibbstown, Bridgeport, Penns
Grove, Almonesson, Fairview, Grenloch, Hurffville, Turnersville, Erial, Pine Hill, West
Berlin, Clementon, Barrington, Kirkwood, Maple Shade, Mt. Laurel, Pitman, Sewell,
Mantua, Centre City, Magnolia, Somerdale, Berlin, Richwood, Mt. Royal, Glassboro,
Ewan, Wenonah, Audubon, Haddonville, Merchentville, Willingboro, Woodbury,
Clarksboro, Mickleton, Repaupo, Paulsboro, Williamstown, Sharptown, Ferrell,
Auburn, Yorktown, Pedricktown, Pennsville, Vineland, Millville, Gloucester County,
Burlington County, Salem County, and Camden County, NJ. We offer affordable
disability insurance policy services throughout southeastern Pennsylvania, including in
Upper Darby, Drexel Hill, Yeadon, Sharon Hill, Collingdale, Darby, Folcroft,
Lansdowne, Norwood, Prospect Park, Glenolden, Havertown, Colwyn, Chester,
Cheltenham, Montgomery County, Bucks County, Delaware County, and Philadelphia
County, PA. We also offer affordable New Jersey disability insurance coverage
services throughout the remainder of the Garden State.
Review the types of individual disability insurance we offer
residents of New Jersey by clicking on a link below.
Short term disability insurance is sometimes referred to as Accident and
Sickness insurance. It provides benefits for a limited period of time, typically 26
weeks or less. Short term disability usually provides coverage for accidents or
illnesses outside of work when New Jersey Workers Compensation insurance
does not apply.
You would begin receiving money from your New Jersey short term disability
insurance policy within 1 to14 days after becoming sick or disabled. The
actual time for coverage to begin depends on whether you suffer an illness
or injury. If you suffer an injury, your benefits will be paid immediately. If you
suffer an illness, it will take longer because there needs to be sufficient time
to show that the illness is grave enough to be disabling.
You choose the amount of income (up to 66% of your gross income) from
$400 to $2000 a month when you can't work due to an accident or illness.
Benefit periods of up to 2 years!
Short waiting periods 1 to 14 days!
Click on the link below to fill out a secure quote request form for a New
Jersey Short Term Disability Insurance policy that will provide excellent
insurance coverage at an affordable cost. Or you can speak with our New
Jersey Disability Insurance agent specialist toll free at 1-800-501-6199 to
discuss the policy features in more detail.
Long term disability insurance provides benefits for a limited period of time,
typically 2 or 5 years and is also usually guaranteed renewable until the age
of 65. Long term disability insurance usually provides coverage for accidents
or illnesses outside of work when New Jersey Workers Compensation
insurance does not apply.
You can begin receiving money from your New Jersey long term disability
insurance policy when the "waiting period" time chosen for the policy is
reached. Typically, 6 months to a year is chosen for a waiting period in order
to reduce your premium, but shorter times are available.
You choose the amount of income (up to 66% of your gross income) from
$400 to $3000 a month when you can't work due to an accident or illness.
Hospitalization Rider pays up to double your benefit per month
(for two months) if an injury or sickness puts you in the hospital!
Click on the link below to fill out a secure quote request form for a New Jersey
Long Term Disability Insurance policy that will provide excellent insurance
coverage at an affordable cost. Or you can speak with our New Jersey Disability
Insurance agent specialist toll free at 1-800-501-6199 to discuss the features in
more detail.
Benefit periods of 2 & 5 years!
Short waiting periods 7, 14, 30, and 90 days!
Guaranteed renewable to age 65
24 hour coverage - on or off the job!
$2,500 Accidental Death Benefit included!
No restrictions on how the money is used!
No benefit reduction at age 65!
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New Jersey Disability Insurance Information
Sunrise Retirement Solutions
& Insurance Planning Services
1893 Southside Ave., Suite 1A
Deptford, New Jersey 08096
Gloucester County, NJ
(856) 401-3000
Toll Free: 1-800-501-6199
Fax: (856) 401-3100
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(also Philadelphia, PA area)
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Employee Benefits
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Insurance Planning Services, LLC
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